XKH AUTOMOBILE

Active

Private limited companyfounded 2025active for 1 yearRue Tout-y-Faut(H-G) 91, 7110 La Louvière, BelgiumKBO/BCE: BE 1019.459.706

Summary

XKH AUTOMOBILE has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41,174 and a net result of €31,174. Its solvency ranks better than 68% of 3,232 sector peers (NACE 95, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisFollow Report Compare

XKH AUTOMOBILEActiveChecked score 69/100

Risk analysis Report Compare

Activity

Other maintenance and repair of motor vehicles

NACE 95319

1 site

Size

€72,655total assets 2025

Equity: €41,174
Profit: €31,174

Turnover not published (micro format)

Financial health

69 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.0%

Structure

Accounts filed 31 days late

Why 69raises riskFounded in 2025Size: total assets €72,655Latest accounts 31 days late; 1 of the last 3 latelowers riskLiquidity: current ratio 1.78, cash €24,411Show the evidence

Checked score

Score 2025

69 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 78% of its sector peers (NACE 95, micro)

Every signal that counts is listed under Signals.

Financial strength

Strong

Solvency 82

equity 56.7% of total assets

Liquidity 71

short-term debt 43.3% · cash 33.6%

Profitability 100

return on assets 42.9%

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,129 companies, NACE 95, micro)

Last 24 months 02-2026: 1.8% 03-2026: 1.8%● unchanged vs 02-2026 04-2026: 1.8%● unchanged vs 03-2026 05-2026: 2.2%▲ +0.4 percentage points vs 04-2026 06-2026: 2.3%▲ +0.1 percentage points vs 05-2026 07-2026: 2.5%▲ +0.2 percentage points vs 06-2026highest value 08-2026: 2.5%● unchanged vs 07-2026highest value 09-2026: 0.9%▼ -1.6 percentage points vs 08-2026lowest value 10-2026: 1.0%▲ +0.1 percentage points vs 09-2026

Credit of up to €2,500 on 30-day terms is acceptable

Liquidity ample (current ratio 1.78, above the usual 1.5; short-term debt: 43.3% and cash: 33.6% of total assets), and 43.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 67% on solvency, 72% on liquidity and 94% on profitability.

The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

lowers riskraises riskneutral

Liquidity: current ratio 1.78, cash €24,411

NBB · annual accounts

Founded in 2025

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Size: total assets €72,655

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Latest accounts 31 days late; 1 of the last 3 late

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 1 filing

Deviation from the deadline

2025

31 days late

← before the deadline after the deadline →

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2025.

KBO publications · our coverage